Fuse, an AI intelligence platform focused on commercial insurance, has launched Mark, a new solution designed to evaluate insurance submissions based on real-time market data.
This follows the company’s recent launch of Watch, a commercial insurance real-time risk dashboard that maps active risk events across the U.S. in real time for brokers and underwriters, and its earlier launch of an agriculture vertical product, reflecting a broader build of its industry-wide intelligence offering.
The company describes Mark as a tool that evaluates submissions across five dimensions in seconds, providing brokers with an early assessment before they go to market and giving carriers an additional independent perspective when a submission reaches underwriting.
Fuse said commercial insurance submissions continue to present a significant information imbalance across the market.
Brokers often distribute submissions to multiple operators and wait days to learn which markets are interested, while operators review large volumes of submissions without a consistent way to benchmark them against current conditions. Fuse said this could lead to reduced risk, inconsistent pricing at renewal and gaps in coverage that may only become apparent when a claim is made.
Fuse explains that Mark aims to reduce these inefficiencies by analyzing submissions uploaded by brokers. These may include ACORD forms, vehicle schedules, loss runs, supplemental questionnaires, declaration pages and documents in formats such as PDF, DOCX, XLSX and images. The system extracts relevant information, builds a structured scorecard, and provides an assessment based on how the carrier is likely to interpret the submission.
“The submission process is the largest information asymmetry in commercial insurance,” commented Sean Bourgeois, founder and CEO of Fuse. “Brokers don’t know which carriers will be participating until five days after the submission is sent. Carriers don’t know how a submission will compare to their peers within the same week. Mark bridges both gaps. Every submission goes through the same five-stage stress test, and all parties (brokers, underwriters, MGAs, front-end carriers) see the same layer of intelligence.”
Fuse said Mark operates through a five-stage assessment framework supported by its data infrastructure. The framework takes into account factors such as current market conditions, exposure to risk events, suitability of the underwriting structure, expected pricing benchmarks and the overall completeness and clarity of submissions.
These insights are generated with continuously updated inputs related to insurer preferences, rate filings, environmental risks, litigation activity, telematics data and compliance signals across the United States.
The company added that Mark is powered by its broader data engine, which draws from more than 50 real-time data sources, including regulatory filings, financial disclosures, risk management data sets, safety records, economic indicators and market intelligence. Fuse notes that these data inputs are refreshed frequently to reflect current market dynamics.
Fuse confirmed that Mark is now available through its platform. Brokers can access the product through a 14-day trial, with ongoing use in the company’s Professional and Enterprise tiers. Mark supports individual and bulk uploads, enabling users to evaluate individual submissions or larger portfolios, the company said.
